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My wife and I divorced in July of 2018.
I can see credit cards of hers on my credit report that my name is not associated with and she can see credit cards of mine on her credit report that her name is not associated with. I called the credit card companies in question and they tell me her name is not associated with my accounts in any way.
Neither of us want our score to be effected by the other person.
Why is this happening and how do we fix it?
Welcome to the myFICO forums!
You will need to dispute these accounts with the CRAs as not belonging to you.
I just did that with the accounts of hers that I can see.
What if she won't take the time to do that with my accounts that are on her report?
Then her credit report and FICO scores will potentially be impacted by how your accounts report. You will not be affected by her credit behavior by having your accounts reporting on her CR.
Take the information from the accounts and then contact the creditors in question and let them know that they are reporting someone else's account to your credit report and that you are privy to the person's private and personal information which seems like a breech of security. That might get them to act instead of waiting on a dispute that may not even be helpful.
Are you sure these are not Joint accounts? Are you sure you are not AU on any of her accounts and vise versa?
That's what I was going to ask. Are they AU accounts, or were they AU accounts until recently?
None of the account are joint. At least that's what my CC companies tell me.
She tells me that I am not an AU on her accounts. I checked with my CC companies about 2 months ago. They all tell me she is not an AU on any of my cards.
@Anonymous wrote:None of the account are joint. At least that's what my CC companies tell me.
She tells me that I am not an AU on her accounts. I checked with my CC companies about 2 months ago. They all tell me she is not an AU on any of my cards.
From everything you are saying there is no logical reason for the accounts to be showing on each other's reports. Each of you should disture any accounts showing on your reports that are not yours.
Have you been pulling your reports and carefully reviewing them only for the last few months? I.e. did you ever pull your reports before getting divorced? If so, were these same accounts solely in her name on your report then? If so, did you look into it and what if anything did you discover?